Bank Of America Irresponsible in debit card fraud Phoenix Arizona
Chronologically:
8/14/05 While paying bills online, I noticed several charges from a company I could not identify on my statement. One was for a substantial amount, and four previous were smaller amounts. I first tried to call the phone number listed on the charge, but it was "disconnected or not in service". I asked my wife (second card holder) and she knew nothing of the company or charges.
08/15/2005 I called B of A and reported the charges as fraudulent. I was told that the first two charges could not be contested as they were over a month ago and that I would be faxed a form to dispute the more recent three charges (all from the same company). I filled out the form, signed and faxed it back to the number they provided.
08/16/2005 My account was credited for the amount of the three charges, I had to go to the local branch and apply for new cards and I thought the matter was over other than the incovenience and mystery.
09/09/2005 After getting an overdraft notice, I checked my account and found that the bank had reversed my credit for the full amount. I called to ask what had happened. They stated that "because the charges were submitted under my wife's card number, she would have to fill out and fax the dispute form". When I asked why they didn't tell me these charges were under her card, they explained that I could have read that in the last 4 digits of the transaction description detail number.
09/13/2005 I had my wife fill out the form and faxed it back to the number provided. Several overdrafts occured from the unexpected expense.
10/01/2005 I called to complain that the charges had still not been credited to my account. I eventually took pity on the CSR, who was obviously unable to help and could only offer "these things take some time" as an excuse for her company's irresponsible and careless behaviour.
Brian
Sierra Vista, Arizona
U.S.A.
8 Updates & Rebuttals
Banklied2016
San Francisco,California,
USA
Same thing happened to me.
#9REBUTTAL Individual responds
Wed, May 03, 2017
The problem was that the first claim was not responded until the second claim got involved with the same debit card. I have attached a 'reply online expired' document. On Wednesday, May 3, 2017, hai vuong <haivuong2013@gmail.com> wrote: Please do not mention my name on media. My problem is not with bank account. It was a problem with message center, that it took the respondent a long period of time to respond to my claim and it left a 'reply online expired'. If this Is valid to make this report on the news, I will attach a supported document to show that bank of america should respond in time.
Brian
Sierra Vista,Arizona,
U.S.A.
by the way
#9Author of original report
Mon, October 03, 2005
By the way I wasn't blaming B of A for the card fraud, I was blaming them for their reaction (or lack of it). I did catch the transaction and filed the proper form instantly, but one month later I still haven't been reimbursed. I should think the mass of employees charged with handling these claims also have a lot of free time (mere coincidence I'm sure).
Brian
Sierra Vista,Arizona,
U.S.A.
Value is comparitive - an ironic postscript
#9Author of original report
Mon, October 03, 2005
You seem to have a lot of free time. Perhaps you could review my postscript and conclusion?
10/01/2005 To cover rent after this unexpected expense I used my Discover card pin and made several ATM withdrawals (max is $200 per transaction) which I deposited in my B of A account so it would be available for the date of the check (tomorrow). When I got home to bring my check to the rental office, I received a call from Discover card asking if I was the one who made these withdrawals. I thanked him and recollected that Merrill Lynch would do similar if their system flagged unusual activity.
Why would anyone want to keep their money in a bank that doesn't feel being pro active about theirs and the customers assets is worthwhile? Especially when other banks do!
Pete
Valley View,Michigan,
U.S.A.
Whose problem really?
#9Consumer Comment
Sun, October 02, 2005
I don't see this as much a problem of BOA but rather your problem. Had you paid attention to your account when going online, you'd have caught the erroneous charges in time.
Just today I scheduled a couple of online payments and while my account was up on my screen, I scrolled down to be certain everything was correct.
I certainly don't approve of scammers taking advantage of an individual, but had you paid attention to your account this could have been avoided. I don't think it fair to blame the bank for something over which they had no control.
S.n.
Bucyrus,Kansas,
U.S.A.
Thanx r The Heads Up!
#9Consumer Suggestion
Sun, October 02, 2005
I have two MBNA cards. BOA now owns them. I'll be certain to check my accounts often online. Thanks for the heads up on how they handle fraudulent charges.
S.n.
Bucyrus,Kansas,
U.S.A.
Thanx r The Heads Up!
#9Consumer Suggestion
Sun, October 02, 2005
I have two MBNA cards. BOA now owns them. I'll be certain to check my accounts often online. Thanks for the heads up on how they handle fraudulent charges.
S.n.
Bucyrus,Kansas,
U.S.A.
Thanx r The Heads Up!
#9Consumer Suggestion
Sun, October 02, 2005
I have two MBNA cards. BOA now owns them. I'll be certain to check my accounts often online. Thanks for the heads up on how they handle fraudulent charges.
S.n.
Bucyrus,Kansas,
U.S.A.
Thanx r The Heads Up!
#9Consumer Suggestion
Sun, October 02, 2005
I have two MBNA cards. BOA now owns them. I'll be certain to check my accounts often online. Thanks for the heads up on how they handle fraudulent charges.